Here we publish the most recent rulings in favor of Homeowners fighting for their rights against debt collectors. Remember to send all the parties involved a Qualified Written Request ( QWR ) pursuant to RESPA, demanding a copy of every document you signed at closing, the payment history, the escrow balance, the original note, the deed of trust ( DOT )/mortgage, and any and all the assignments (recorded and unrecorded ) for your records.

CLASS ACTIONS

My name is Judy Simone and since 1985 I was the homeowner of address 2052 Park Row in North Saint Paul. My ex-husband and I built this house and raised our 2 daughters here. For the past 2 1/2 years I have been going through litigation with a law clerk/attorney who was granted the title to my home as of November 2021. I just received notice that I lost eviction hearing and now only have until April 5th to be out.In 2005 I opened a line of credit with TCF Bank after my divorce. In 2014-2015 I had unknown purchases on my checking account which was also the same account for my mortgage. They issued me a new card and it happened again so I made a police report and requested new account to prevent the fraud. With fees and purchases that drained my account I struggled to get proper help from TCF to pay my mortgage payments. With help of NeDA I was able to prevent my home from foreclosure sale and become current. Shortly after I recieved a letter that TCF transferred my mortgage over to the lender Shellpoint. Since December 2017, I have been up to date on mortgage payments, property taxes and utilities. During 2019, my mother passed away and with the inheritance I decided I would put it towards improvements on the house and a new vehicle. I retired after 30yrs from Cub Foods Assistant Journeyman Baker thinking I had alot to look forward to. I ordered wood to resurface my deck, repaired a leak in the roof, and had my garage walls mudded and painted. All things I cannot take with me. My daughter Danielle Simone was served a petition on June 2020. “Proceedings Subsequent to Initial Registration of Land before the Ramsey County Examiner of Titles seeking the issuance of a new certificate of title to the Property.” Not easy to understand and there was a deadline. After researching and seeking legal help I was told TCF Bank proceeded with foreclosure auctioning on my land (torrens) for $16,589.00 that was sold to a a man who is a government worker, a Minnesota Judicial Law Clerk and an attorney representing himself. Somehow, he has continued to harass and push forward to obtain ownership of my property. There are many questions unanswered and many facts regarding the interest.  Many of the properties are listed as resale construction but he denies that it is house flipping. There is limited help for my case, I have been turned down, unable to recieve help. I have suffered legal malpractice that granted Plaintiff summery judgement, preventing my case to go to jury trial. I was never served, there is a conflict of interest here, along with mortgage fraud documents from 2008. I am losing a $400,000 home, my equity, possibly a remaining mortgage, along with an eviction on my record. The case unfortunately started way before the purchase of my land. I should have been given right to be heard and being told theres no time. I am asking for support to help pay for moving costs at this time any donations are greatly appreciated. https://www.gofundme.com/f/help-to-save-wrongful-foreclosure

CINDY BROWN

Cindy Brown Wins the Right to a Trial/Hearing On November 2, 2021, Cindy fought for and won the right to a hearing on the Bank of New York Mellon Motion to Deem Cindy Brown, a Vexatious Litigant. The motion seeks that Cindy posts security of $ 200,000.00 as a condition to prosecute her case going forward.

Neil Garfield opinion: https://livinglies.me/2022/03/28/gary-dubin-on-the-attack-in-california-simple-truths-about-foreclosure-defense

WF https://amlegalnews.blogspot.com/2022/02/wells-fargo-bank-illegal-foreclosure-of.html

Supreme Court of California https://www.academia.edu/41199744/VALLEJO_V_CAPITAL_ONE_REVIEW_BEFORE_THE_SUPREME_COURT

USB, U.S. Bank, N.A., U.S. Bank Trust, et al, are a national banking association with its principal place of business in Minneapolis, Minnesota. U.S. Bank operates in a number of states throughout the United States. During the relevant period, U.S. Bank was not registered with the Commission as an investment adviser because, at that time, banks were generally excluded from the definition of adviser under the Investment Advisers Act of 1940 (“Advisers Act”). U.S. Bank served as adviser to First American Investment Funds, Inc.’s (“FAIF”) (1) International Fund, (2) International Index Fund, and (3) Emerging Markets Fund and First American Insurance Portfolio Inc.’s (“FAIP”) International Portfolio (collectively referred to as the “Funds”) from April 1994 to May 2001. Other Relevant Entities: U.S. Bancorp Asset Management, Inc. (“USBAM”), a Delaware corporation, headquartered in Minneapolis, Minnesota, is an investment advisory company. USBAM registered with the Commission as an investment adviser on April 13, 2001 and remains a registered investment adviser. USBAM is a wholly owned subsidiary of U.S. Bank. USBAM served as adviser to First American Investment Funds, Inc.’s International Fund and Emerging Markets Fund and First American Insurance Portfolio Inc.’s International Portfolio from May 2001 to September 2001. USBAM continues to advise First American Investment Funds, Inc.’s International Fund to this day. First American Insurance Portfolios, Inc. (“FAIP”) is a registered open-end investment company based in Minneapolis, Minnesota. FAIP incorporated in Minnesota on August 27, 1999. U.S. Bank engaged in foreign exchange transactions with the International Portfolio series of FAIP. First American Investment Funds, Inc. (“FAIF”) is a registered open-end investment company based in Minneapolis, Minnesota. FAIF incorporated in Maryland on August 20, 1987 under the name “SECURAL Mutual Funds, Inc.” The company changed its name to FAIF in 1991. U.S. Bank engaged in foreign exchange transactions with three series of FAIF: (1) the International Fund; (2) the International Index Fund; and (3) the Emerging Markets Fund.

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